Young, in love, and stressing the f**k out!

I've been with my bf for a long time (going on 6 years), and I love him more than I ever thought possible.

I'm 20 and he's 23. We're currently living with his mom, because we just moved halfway across the country. We make decent money, but we haven't found the right apartment yet.

We both love kids and we would love to have our own little family.

But he seems to be ready NOW. Like he wants to actively start ttc. And, in a better living situation I would be all over that! But right now, I just don't know if its the right time. I mean, 9-10+ months from now, we plan on having our own place, but what if we don't? Ya know?

How do I approach this?